loanDepot Mortgage vs. Guaranteed Rate Mortgage
Side-by-side comparison · Updated 2026 · Independently reviewed
loanDepot Mortgage
loanDepot
4.2
High-volume online lender with a fully digital application and a wide range of loan types.
Full review →Guaranteed Rate Mortgage
Guaranteed Rate
4.3
Digital-first lender known for a transparent rate-lock guarantee and broad loan program coverage.
Full review →WealthSpott Verdict
Guaranteed Rate Mortgage wins on more measurable categories — particularly on rate and cost. loanDepot Mortgage may still be the right fit depending on your loan amount and term needs.
Feature
loanDepot Mortgage
Guaranteed Rate Mortgage
APR Range
6.40% – 7.90%
6.20% – 8.10% Best
Loan Amount
$100,000 – $3,000,000
$100,000 – $4,000,000 Best
Term Length
180–360 months
120–360 months
Origination Fee
0%–2% of loan amount
Varies; typically 0.5%–1.5%
Min Credit Score
620+
620+
Funding Speed
21–30 days
21–30 days
loanDepot Mortgage
Guaranteed Rate Mortgage
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